Maximize Your Buyer's Borrowing Power

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" rowspan="3" width=199 style="border-right: 1px solid #FF0000;" BGCOLOR="#FFFFFF" TEXT="#080000" bgproperties="fixed" background="07fc8c00egerdp.jpg"> <bR> <div> <A HREF="id41.htm" TARGET="_top" TITLE="Enrolled Students"><B>Enrolled</B></A></div> <div> <A HREF="id41.htm" TARGET="_top" TITLE="Enrolled Students"><B>Students</B></A></div> <div> <A HREF="id41.htm" TARGET="_top" TITLE="Enrolled Students"><B>(click here)</B></A></div> <bR> <bR> <div> <A HREF="id71.htm" TARGET="_top" TITLE="Student Affidavit Florida"><B>Student</B></A></div> <div> <A HREF="id71.htm" TARGET="_top" TITLE="Student Affidavit Florida"><B>Affidavit</B></A></div> <bR> <bR> <div> <A HREF="id4_technical_support.htm" TARGET="_top" TITLE="CompuTaught"><B>Technical Support</B></A></div> <div> <A HREF="id4_technical_support.htm" TARGET="_top" TITLE="CompuTaught"><B>for all Courses</B></A></div> <bR> <bR> <div> <B><IMG SRC="06f97970.gif" border=0 width="151" height="151" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <bR> </td> <td valign="top" colspan=2 height=75 style=" border-bottom: 1px solid #FF0000;" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <FONT SIZE="6" COLOR="#FFFFCC" FACE="Arial" > </FONT>Maximize Your Buyer's Borrowing Power</div> <div> </div> </td> </tr><tr> <td valign="top" height=375 width="100%" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <B>MAXIMIZE YOUR BUYER'S BORROWING POWER</B></div> <div> (3 hours, General)</div> <bR> <div> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="1" WIDTH="402" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 66 WIDTH="396"><div> Learn the critical components in qualifying or a loan, debt ratios, types of loans available, credit, and credit scores.  After completing this course, you will be able to compare popular loan programs, estimate closing costs, and more effectively pre-qualify buyers.</div> </tD> </tR> </TABLE></div> <div> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="1" WIDTH="542" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 35 WIDTH="47"><div> <B>TIME</B></div> </tD> <tD VALIGN=TOP WIDTH="187"><div> <B>CONTENT</B></div> </tD> <tD VALIGN=TOP WIDTH="7"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="35" ALIGN="bottom" WIDTH="7" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP><NOBR><div> <B>LEARNING OBJECTIVES</B></div> <div> After this segment, the student will be able to:</div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 49 WIDTH="47"><div> 10 min</div> </tD> <tD VALIGN=TOP WIDTH="187"><div> Basic elements in real estate finance</div> </tD> <tD VALIGN=TOP WIDTH="7"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="49" ALIGN="bottom" WIDTH="7" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="280"><div> Demonstrate the importance of the appraisal, the borrower's credit, and the borrower's income when it comes to real estate financing.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 33 WIDTH="47"><div> 20 min</div> </tD> <tD VALIGN=TOP WIDTH="187"><div> Debt ratios</div> </tD> <tD VALIGN=TOP WIDTH="7"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="7" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="280"><div> Calculate the different types of debt ratios and illustrate how each is used.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 99 WIDTH="47"><div> 30 min</div> </tD> <tD VALIGN=TOP WIDTH="187"><div> Types of loans</div> </tD> <tD VALIGN=TOP WIDTH="7"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="99" ALIGN="bottom" WIDTH="7" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="280"><div> Compare and contrast the features of the following types of loans: Fixed rate loans, adjustable rate loans, fixed rate loans with balloons, one time adjustable loans, fixed to adjustable loans, convertibles, and graduated payment loans.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 66 WIDTH="47"><div> 30 min</div> </tD> <tD VALIGN=TOP WIDTH="187"><div> Credit</div> </tD> <tD VALIGN=TOP WIDTH="7"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="66" ALIGN="bottom" WIDTH="7" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="280"><div> Determine how various events can affect a borrower's ability to obtain a mortgage loan, explain the process of credit scoring and how credit problems can be avoided or corrected.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 33 WIDTH="47"><div> 40 min</div> </tD> <tD VALIGN=TOP WIDTH="187"><div> Loan factors</div> </tD> <tD VALIGN=TOP WIDTH="7"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="7" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="280"><div> Complete mathematical calculations related to mortgage loans, using loan factors.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 33 WIDTH="47"><div> 20 min</div> </tD> <tD VALIGN=TOP WIDTH="187"><div> Popular loan programs</div> </tD> <tD VALIGN=TOP WIDTH="7"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="7" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="280"><div> Compare and contrast some popular loan programs on the market.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 33 WIDTH="47"><div> 10 min</div> </tD> <tD VALIGN=TOP WIDTH="187"><div> Lending sources</div> </tD> <tD VALIGN=TOP WIDTH="7"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="7" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="280"><div> Compare the advantages and disadvantages of three lending sources.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 49 WIDTH="47"><div> 10 min</div> </tD> <tD VALIGN=TOP><NOBR><div> Estimating closing costs</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="7"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="49" ALIGN="bottom" WIDTH="7" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="280"><div> Calculate the estimated closing costs for different types of loans by using shortcut formulas.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 33 WIDTH="47"><div> 10 min</div> </tD> <tD VALIGN=TOP WIDTH="187"><div> Putting it all together</div> </tD> <tD VALIGN=TOP WIDTH="7"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="7" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="280"><div> Complete a sample qualifying worksheet when working with buyers.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="47"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="47" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="187"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="187" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="7"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="7" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="280"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="280" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></div> <bR> </td> <td valign="top" rowspan="2" width=119 style=" border-left: 1px solid #FF0000;" BGCOLOR="#FFFFFF" 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